Date Received: 2023-04-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: From XXXX to XXXX we were trying to get a loan modification and were continuously denied with no answer to why. During that time since I wasn't getting anywhere with the bank I hired an attorney that had promised me to get me a loan modification through the courts. This went on for several year and the bank did not want to offer me a modification. Then XXXX I was XXXX suffered a XXXX XXXX and was in a XXXX for several month. When i came out of the XXXX and was able to deal with my mortgage my attorney kept telling me that he was still working with SLS on trying to resolve my mortgage. After COVID to try to help me negotiate a short pay or short sale this went on again for years with no answers from SLS and i just came to find out that my home is in foreclosure with a scheduled auction. I was under the impression that it was being reviewed if we had known that this wasn't being considered i would have tried other options. I am asking for the auction to be postponed so I can try to resolve this matter so I do not lose my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My name is XXXX XXXX and filed a previous complaint which according Specialized Loan Servicing was filed wrong and they cancelled my case. They offered no resolution to the original complaint number with consumer finance is COMPLAINT ID XXXX. This was their reply Re : Account Ending in XXXX The Reinstatement Quote requested in case ID XXXX has been cancelled due to Incorrect Request Type. Please contact us at XXXX to learn more and open a new Send Correspondence if needed My bankruptcy lawyer says that the XXXX XXXX will halt this process at this point it looks like my only hope. These people have no interest in helping they seem only interested in trying to taking my house. I dont know how they think this is valid response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 376XX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The intention for anyone enrolling into a Mortgage Relief payment initially is, so they dont have to make any mortgage payments temporarily, not so they would have to pay out of their own pocket. I originally informed Specialized Loan Servicing, LLC ( hereinafter referred to as SLS ) about my application, and SLS threatened that they would accelerate filing a delinquency notice against me unless I paid the XXXX & XXXXXXXX XXXX monthly mortgage payments. SLS claimed that as long as those payments were made first while my mortgage relief application is pending, they would leave me be. The XXXX Debt Collection Department also stated that once the Mortgage Relief funds were applied to my loan, XXXX would automatically apply the payments I made for the XXXX and XX/XX/XXXX mortgage payments towards XXXX and XX/XX/XXXX instead. That would have resulted in a good standing with SLS and also would bring my loan current. It didnt seem like I had a choice, so I went ahead and made the 2 payments. I was finally approved by the California Mortgage Relief Program to cover my mortgage payments. However, SLS did not ask for the Mortgage Relief Program to include the 2 I had paid while my application was pending. I tried to contact SLS several times regarding this issue, but I couldnt reach them. SLS avoided communication, so inevitably I couldnt implore them to seek the additional funds for the two months. I managed to reach out to the SLS Escalation Team regarding this issue. Sadly, they said they are not the department that can authorize a decision. Even though I followed SLS instructions and paid out of my own pocket, SLS filed a negative report to the 3 credit bureaus while my CA Mortgage Relief was pending approval. SLS took advantage of my situation and their claims turned out to be a sham. As a loan servicer company, this tactic should be deemed unlawful. I did not make those 2 earlier payments on my own volition, I was forced into it and got unfairly reprimanded. I made numerous attempts to contact them and resolve this issue, but since SLS technically was now paid in full, they no longer cared to respond back. They dont want to be bothered on how the funds are received, as long as the payments are in their hands. In the end, I had their escalation team email to their back office more than three times in a two-month span. I was transferred to their HAF Dept. and left nearly 16 voicemails at ( XXXX ) XXXX, extension XXXX. I was directed to their Loss Mitigation Dept - ( XXXX ) XXXX, however, resulting in neither any call backs nor emails.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I am not certain if this is my problem but its the only thing I can see that changed on my credit report. My credit score drastically dropped from XXXX to XXXX in some cites and XXXX on XXXX. My credit report is showing that our mortgage was paid in full in early XXXX. I did receive notification from XXXX XXXX XXXX XXXX at the very end of XXXX that my mortgage was being sold. to another company, Special Loan Service Mortgage. However, my mortgage is no longer showing on my credit report and I am wondering what's happening. Our mortgage was covered with XXXX Bank for over 20 plus years then all of sudden it was sold to XXXX I believe in XX/XX/2022. Then in XXXX XXXX is selling the mortgage to someone else. I don't know what kind of games they are trying to play but my husband and I do not want to get caught up in anything with us being so close to paying off the mortgage. We don't know if some company is trying to run a scam on us and we are not going to have it. Somehow somewhere our mortgage balance is being hidden and not being reported on our credit report. My credit score should be reinstated back to normal quickly and not gradually increased, it is not fair nor honest to destroy someone's credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77489
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was on a COVID 19 forbearance Plan with XXXX XXXX which was to end on XX/XX/XXXX. XXXX XXXX transferred my loan to Specialized Loan Servicing ( SLS ) on XX/XX/XXXX. I kept in constant communication with SLS until my loan was loaded onto their system. On XX/XX/XXXX I spoke to a teller by the name of XXXX he said he would put in a submission for me to get a Deferral Loan Agreement Plan and I would learn of the outcome between 7-10 business days. However on XX/XX/XXXX I received a letter dated XX/XX/XXXX from SLS informing me that I had been approved for a Forbearance Plan dated XX/XX/XXXX to XX/XX/XXXX based on an incomplete loss mitigation. SLS took on the servicing of my loan on XX/XX/XXXX. I have never asked for a Forbearance Plan from SLS. Further I wish to point out that I had NOT missed any mortgage payments prior to going on a Forbearance plan with XXXX XXXX and it was still in effect when they transferred my mortgage to SLS. I have received two Escrow Account Disclosures dated XX/XX/XXXX and XX/XX/XXXX which in short pointed out that I had an escrow shortage of {$290.00} and {$280.00} respectively which would bring my mortgage payment to {$1300.00}. I called SLS and again spoke with XXXX and I told him I agreed with and accepted the Deferral Loan Agreement Plan and would make a payment. He told me the mortgage payment was {$1300.00} which I paid - confirmation # XXXX. I called and spoke with XXXX XXXX XXXX XXXX on XX/XX/XXXX to ask about the correct amount of {$1300.00} for the mortgage. She told me to give SLS some time to make the necessary adjustment, I called today XX/XX/XXXX and spoke with XXXX who said she was showing that I had missed a payment because I paid the wrong amount of {$1300.00} instead of XXXX and therefore the payment would not go towards XXXX 's payment on the Deferral Agreement Plan and now my mortgage was two months behind. I contested this but she insisted that she was going by what she saw on her computer. I asked to speak to a supervisor. She put me on hold then came back to say a supervisor was not available but she would put in a request for one to call me. I am still waiting on the call. I called back today and spoke with XXXX ID # XXXX who also reiterated that the Company was not to be blamed for the error. I decided to pay the difference of {$12.00} - to bring the payment up to {$1300.00} - Confirmation # XXXX. I am concerned that because today is the XX/XX/XXXX, XXXX will say my payment is late and the account could still be seen as overdue. Please send on my concerns to SLS so that my account can be properly adjusted. I would also like to be able to deal with only one person while dealing with this matter so at least there will be some continuity of service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Over the last year I believed was I was under a forbearance with my mortgage company ( specialized home services aka SLS ), I requested the forbearance ( I believe over the phone ), after my husband was hospitalized with XXXX XXXX complications. Leaving him in XXXX XXXX and unable to operate his business. When I called my mortgage company to find out how a forbearance lead to foreclosure I was told they had no record of me requesting this forbearance or granting it. This is so strange to me because not only was I granted it, I actually received a text message ( last XXXX I believe ) asking me if I wanted to extend it. Of course I replied yes. Meanwhile. it looks as though my mortgage was already transferred again to XXXX XXXX XXXX XXXX XXXX in XX/XX/2022. I did not get notice my house was going up for auction. The certified letter the attorney sent was put in my mailbox with junk mail. The postmark on the letter notifying me of the sale was post marked XX/XX/XXXX the court did not even approve the final foreclosure proceedings until XX/XX/XXXX. XXXX days from the final approval of the court. My house was sold back to the mortgage company. The copy of the approval was mailed to me by the court and was the only letter I ever received from the state court. This foreclosure happened very fast. I thought I was supposed to have options? My right to sell at short sale, or have a mediation did not happen. I reside with my XXXX young children, my husband and my elderly and XXXX mother. If it turns out is too late to keep my home and there is absolutely nothing that can be done I feel it is my duty as your constituent to alert you to what has happened to my family so it can be on your radar. Perhaps, something could be done to protect the average hard working but no so savvy voter from powerful attorney backed mortgage companies. In the attempt to save time, I've enclosed a copy of the motion I filed on my own to stop the ratification of the sale of my property. Please excuse the penmanship, I was in true panic mode and I did the best I could. I have contacted at least ten attorney 's about this and each has told me they can't help for various reasons. Most commonly and most disturbingly it's because they just don't have anyone in their practice that knows anything about foreclosure law. I've been told the laws in Maryland do make it easier for mortgage companies to foreclose. I haven't done the research to see how true that statement is, but if what has happened to my family is happening to other families it's now my responsibility to get the issue out there. I am hoping you may know of some resources or have some advice of what my next steps should be in this nightmare I'm currently in. Last year was the worst year of my adult life. I have XXXX toddlers that I have to care for on top of a recovering husband. I work two jobs and as healthcare worker have been there for so many patients and families through out this pandemic. It has mentally and physically taken a toll on me over the last couple years. There is still fall out happening because of COVID. If there is anyone out there who can help please reach out. I am ready and willing to fight for what is right for my family and others who may be facing a similar path. What happened to my family was either a purposeful deceptive act or many gross errors occurred on the part of the mortgage company. Both of which are unacceptable. I do have evidence to prove to the court I was granted a forbearance, I'm just not sure I'll get the chance. If by the grace of God I do have an opportunity to speak my truth to the court I desperately need an attorney who can represent me. Moving forward, I am very worried we could end up evicted soon. We have no savings, My husband 's hospitals bills account for over XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/2022 I received a tax escrow analysis from SLS that was in accurate. The payment each month has increased by {$500.00} and will increase again by another {$300.00} soon due to miscalculations from the tax department. I have called every XXXX or XXXX weeks for the past XXXX months to try to get this issue fixed. I get the runaround constantly and am transferred back and forth between customer care and tax and escrow departments and no one gives me any answers. I have escalated the issue to a supervisor with no response multiple since the tax department is not able to complete basic math. My property taxes are {$7100.00} and they are charging me double and will not fix the error as hard as I try to get an answer. The customer service for this company SLS is the worst Ive ever experienced and Ive had XXXX mortgages in the past. They tell me to call back when theres a supervisor and then the supervisor transfers me to customer care, and I have spent hours on this issue I dont have an extra {$800.00} each month to pay to my mortgage that they will keep and refund me in a year. I can not get a resolution from this company and Im very concerned about the fees and can not get any assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02062
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have repeatedly asked SLS to provide me with specific documents related to this illegally processed loan. Instead they inundate me with dozens of irrelevant documents, form letters and old non-related items that have no bearing on what I am asking for. Today I am hoping CFPB will assist in my Qualified Written Request ( QWR ) to obtain just One Document : A COPY OF THEIR NOTARY 'S LOGBOOK SHOWING MY SIGNATURE AND THUMBPRINT FOR THESE LOAN DOCUMENTS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92679
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX, CO XXXX Re : Disputing errors on credit report Dear Specialized Loan Servicing LLC : I am writing to request a correction of the following information that appears on my XXXX, XXXX, and XXXX consumer reports : Dispute Account Number or other information to identify account : Source of dispute information : Specialized Loan Servicing LLC ( SLS ) Type of disputed information : Six ( 6 ) alleged late mortgage payments Dates associated with item being disputed : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX Explanation of item being disputed : The status of my account is not correct. The credit reports show that I am delinquent, but I have made all of my payments on time. Please see enclosed : ( a ) my transaction history from my SLS website profile that shows my on-time payments for XXXX XX/XX/XXXX ; ( b ) my recent correspondence to SLS ; and ( c ) proof of my XX/XX/XXXX payment to SLS, which I paid not because I was delinquent but because I was trying to avoid the current, inaccurate credit reporting dilemma facing me now. I respectfully request that Specialized Loan Servicing LLC remove and correct the erroneous late payments from my report. Thank you for your assistance. Enclosures
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Specialized Loan Servicing is a predatory lender who has constantly used servicing practices to harass and disadvantage me so they can force me out of my house. I am : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Veteren XXXX XXXX The company had a representative come to my house and XXXX XXXX me, calling me " a XXXX, XXXX XXXX. '' Video included. After complaining they said they were not responsible, yet they use constant tactics to force me into foreclosure as a predatory lending company. I am reporting claims of discrimination and abuse as a XXXX, XXXX, XXXX veteran and XXXX. Multiple previous complaints to both the CFBP and Nebraska Department of Banking and Finance Regulation demonstrates a pattern of discrimination and predatory practices starting in the years prior to the pandemic and continuing throughout. I ask that CFBP scrutinize Specialized Loan Services discriminatory practices that amount to constant microaggressions in servicing practices including charging me and carrying over a fee called a " BPO '' which was not paid by housing assistance funds. This fee was charged for the visit by the person who called me a " XXXX XXXX XXXX ''. This fee caused my credit score to be impacted over the course of the last 6 months were it was carried. SLS violated my civil rights and continues to be a source of mental and emotional distress due to the CONSTANT use of these predatory lending practices. Because I am XXXX. Because I am XXXX. Because I am XXXX Because they want my house! And I am not alone! SLS routinely preys on homeowners forcing them into default. THIS HAS TO STOP!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A